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General Manager
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29 days ago356 views
General Details
Location:
Advertised By:Agency
Company Name:Executive Placements
Job Type:Full-Time
1
In order to be considered the following is required:BComm in Finance and Accounting5 – 7 years’ experience in intuitive credit assessment and decisioning in relevant segment and products (i.e. across business banking or Agri). Thorough knowledge and understanding of financial statementsKnowledge and understanding of repayment structures, collateral and collection processes within the banking environment. Understanding of legalities associated with lending and collateralKnowledge of credit and strategy business rules and processes to identify exclusions where applicable. Understanding of the National Credit ActKnowledge in respect of collateral – how it is affected and released, as well as the value assigned to different collateral types from a credit perspective. Understanding of Deeds office processesThe knowledge and understanding of loan granting processes including credit checks, credit scorecard completion, affordability criteria and repayment terms and conditionsDuties & Responsibilities:Obtains and assesses client and financial information, including cash flows and cash flow forecasts, with a view to understanding the current debt levels and repayment requirements as relates to different products and banksMakes prudent credit decisions on lending applications and authority sought requests within the parameters of the relevant individual product policies and/or multiple product policy, relevant regulatory requirements such as the National Credit Act and sound financial principlesDetermines the best possible lending solution for the client and the bankProactively highlights opportunities for asset growth in line with ecosystem philosophy and sound credit risk principles Adheres to “Before sunset service” in order to deliver excellent client experienceAttends client visits to understand clients and their businessesClient engagements may be in person or virtuallyStipulates conditions for facilities bearing credit risk policies and processes in mindEnsures credit risk is appropriately identified and addressed in the initial assessment and the ongoing management of the exposureDisplays a good understanding the credit risk management environmentSupports the credit risk team as required to ensure performance of their responsibilitiesPro-actively identifies opportunities to improve processes and systems within the business unit to enhance risk management and efficienciesAssists with training new staff as and when required and cross skilling of existing staffProvides credit guidance and advice to business through the sharing of knowledge, coaching and assistance in improving the understanding and quality of credit riskBuilds and maintains relationships within the broader credit team and business stakeholdersA
https://www.jobplacements.com/Jobs/C/Credit-Evaluation-Manager-Bloemfontein-1245056-Job-Search-12-06-2025-02-00-15-AM.asp?sid=gumtree
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